Cash loans for when you need it most
Loans between $200 and $20,000
We understand that unexpected bills and expenses can creep up on you, so we’ve made it quick and easy to get cash loans online and through our network of Instant Finance branches across New Zealand.
Often when you find that you need a bit of extra money to get you through, you need it fast! Anything from your car breaking down or an unexpected medical or dental bill can leave you with additional bills, and that’s where Instant Finance can help you out with a cash loan when you need it.
How cash loans work
- Instant Finance interest rates for cash loans range from 19.95% to 29.95% per annum.
- Loans are required to be repaid by equal instalments of principal and interest over terms of between three months and three years.
- Establishment fees vary based on the new loan amount. Full details of all fees are available here rates and fees – Example: A $4,000 cash loan repayable over one year by 52 weekly instalments at an interest rate of 29.95%:
- An establishment fee of $450 and administration fee of $2 per instalment ($104).
- Total interest would be $712.56 making the total payable $5,266.56.
- The APR inclusive of fees is 34.11% p.a.
What we need to process your loan application
If you are able to supply us with a completed application form and supporting documentation it can help us provide you with cash the same day. To enable us to process your loan application quickly, you will need to supply us with ID such as a current NZ Drivers Licence or Passport along with proof of income such as a bank statement (or if self-employed, an annual return).
We will also require some proof of address to process your loan such as a tenancy agreement or recent telephone and/or power bill in your name. Please note that if you are planning on using your home for security for the loan, a mortgage statement is required. Alternatively you can either:
- Call us on 0800 760 000 for help and assistance
- Download our application form and fax it through to us
- Post it or bring it along with you to your nearest Instant Finance branch.
The quickest way to apply for a cash loan, without the paperwork, is on our website using our online loan application form. To apply online, you’ll need to complete the loan application form and provide us with details of the loan amount you require, some personal information, contact details along with details of your employment and any assets and debts you have.
Once you’ve submitted your online application we’ll quickly review your application and get back to you at our earliest. You can apply online 24 hours a day from the comfort of your own home. Check out our FAQs page if you would like to know more about how the lending process works.
Applying for a cash loan at an Instant Finance branch
We offer cash loans of different sizes and for many different purposes
Instant Finance specialises in providing quick and easy loans with a maximum term of 3-years. We develop loans that fit in with your personal circumstances and budget and can help you with small loans from $200 up to a maximum of $20,000.
We can provide fast cash loans to help you with unexpected costs and expenses and can also arrange loans for holidays, weddings, cars, and boats. Speak to instant Finance today and see how we can help you out.